Resources for resolving common issues with FC HoldCo LLC products and services
You can reduce the number of unwanted calls from FC HoldCo LLC you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.
How do I register?
Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)
If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.
How long does it take?
Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.
Where can I file a complaint about an illegal sales call or a robocall?
To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).
Will I hear back from the FTC regarding my complaint?
Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.
What's a Robocall?
If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.
What Should You Do If You Get a Robocall?
If you get a robocall:
FC HoldCo LLC Consumer Loan managing the loan or lease March 7, 2017 - I opened this account in 2014 and if you look at they pay history the application of payments is always inconsistent although I have been paying late they are abusive threatening and once I make two or three payments they balance goes up not down.... |
FC HoldCo LLC Consumer Loan managing the loan or lease February 8, 2017 - Got behind 5 days on my car loan when the calls started. The calls were 4 -5/day and begin around -. When I talked to them, I told them the situation of slowed commissions and explained that I would be back on track well before 30 days. The calls did n't stop, finally I had to talk to them again and told them I had already spoken to them about it and explained the situation. That still did n't stop the calls. The calls come from several different numbers and it has gotten to the point of harassment.... |
FC HoldCo LLC Consumer Loan taking out the loan or lease February 5, 2017 - Auto Loan fraudulently opened at - - - in -, Fl. for the financing of a - 2011 vehicle with Flagship Credit Acceptance. The finance company ( 7 months ) ( Flagship Credit Acceptance ) did not and does not have the proper documents- title, etc to provide to DMV in order to grant a permanent registration/tag for the vehicle. However they were still taking payments of - per month for 3 months and are reporting the loan as open and late with missed payments on my credit report. Per court order the Department of Motor Vehicles issued the title in my name and the title specifically... |
FC HoldCo LLC Consumer Loan managing the loan or lease February 4, 2017 - Flagship Credit Acceptance is not withdrawing money to pay my auto loan and they keep sending non payment emails to me. I have checked with my bank ( - ) and they have had no request from Flagship to withdraw the money. Flagship will also send me confirmation that money has been received but it was never removed from my account. I have been trying to pay off the loan in full and receive the title but have been unsuccessful.... |
FC HoldCo LLC Consumer Loan managing the loan or lease January 22, 2017 - i submitted payment to my auto finance company, they never presented it to my bank, but they told me it failed, to go through, not nsf, but failed, i had the funds available in my account on -/-/2016, they never attempted to collect so that they could continue to collect daily interest!! in turn when i submitted my next payment, it went 100 % to interest!!... |
FC HoldCo LLC Consumer Loan taking out the loan or lease January 20, 2017 - This complaint is the dishonesty of Flagship Acceptance Corporation, LLC and the predatory lending practices. -/-/- I purchased a -. purchase price was $19000.00 with a 13.49 % interest rate payments of $390.00 per month with a 72 month loan term. If Flagship records their calls as the claim to, Flagship would find that I 've asked over a numerous times about lowering the 13.49 % and I was told Flagship does not change the terms of their loans. Also I received a letter response from - basically saying the same thing. I tried to get the vehicle refinanced to avoid paying $28000.... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay January 16, 2017 - I missed a payment and they 've been calling me at - to collect it.... |
FC HoldCo LLC Credit reporting incorrect information on credit report information is not mine January 13, 2017 - On -/-/2016 an unauthorized inquiry was placed on my credit report.... |
FC HoldCo LLC Consumer Loan managing the loan or lease January 9, 2017 - I am a new customer with Flagship Credit Acceptance. I recently tried to call over the course of a week to get a hold of someone to request a change of my due date. Every time I called I was asked some kind of long drawn out survey and had to wait for that to finish before I could use the prompts to get to customer service. I was then placed on hold for a very long time and eventually had to hang up as I had to return to work. When I finally connected to a customer service rep, I was told my account was not current so I was unable to change my billing due date until my account was current. Kee... |
FC HoldCo LLC Consumer Loan managing the loan or lease January 8, 2017 - I have received late fees on my account due to my auto loan company ( Flagship Credit ) not processing payments in a timely manner. I have mailed my payments TWO WEEKS before the due date and it takes them four weeks and sometimes longer to post the payment to my account. Also, I applied for a two month deferment and was told via phone it was approved and I could skip a months payment, so I did not not make a payment. Come to find out the deferment was not approved and they reported to my credit report LATE payments, I have called and called and finally I received an agent that saw what happ... |
FC HoldCo LLC Consumer Loan managing the loan or lease January 3, 2017 - I refinanced my car with Flagship over a year ago, I went through the application process and sent you all the information required and you in return paid my loan with - -. My first car payment was not due until early 2016. During that time I was told that I could only change my due date only once and it will remain the same through the life of the loan. I did change the due date to the - to accommodate my pay schedule. After I made that change my company decided to change our pay periods without giving us notice. I called customer service to have the due date changed to accommodate m... |
FC HoldCo LLC Consumer Loan taking out the loan or lease January 3, 2017 - This complaint is about Flagship Acceptance -, LLC and the predatory lending practices and being underwater with my vehicle loan. On - -, -, I purchased a - - - SV from - of -. The - - was not my first choice however, I did not want my payments to be no more than $350.00 a month. When it was time to discuss the financing, the account manager claimed that Flagship Credit Acceptance was the best option for me. The total purchase price was $19000.00 with a 13.49 % interest rate payments of $390.00 per month with a 72 month loan term. I was told by the accoun... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay November 30, 2016 - I have a car loan through -, which I believe was bought out by FlagShip Credit, but have never been told this by the company. I realize that I am behind on my loan but they have now reached out to an ex-boyfriend of mine 3 times now, once in - ( followed all rules and regulations ), again on - at - in the morning and proceeded to tell him that I was 3 months behind on the car and that they would come repo it is he did n't have me pay it, and then again on - - - - called him again and said the same thing. I am the only one that is on my car loan. They have now given out person... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay November 23, 2016 - Repeatedly asked representatives of this company, on more than 1 occasion, to refrain from contacting me. I also gave an alternate contact number at which the account holder could be reached. I was told by several representatives after requesting not to be contacted, that I would no longer receive phone calls. Also that my number would be removed from their records. During the most recent call I was told I would not be contacted for up to seven days, after that they would resume calls. I again asked for my number to be removed from their records but was told I have to submit my request in writ... |
FC HoldCo LLC Debt collection communication tactics called outside of 8am-9pm November 19, 2016 - - - called at - from - and left a message by - on my cell phone. I am in - and this woke me up from my sleep. Very disturbing. It is a violation of the fdcpa.... |
FC HoldCo LLC Consumer Loan managing the loan or lease November 15, 2016 - My car loan company is automatically ai n't a late fee to my monthly payment saying is just in case i do n't pay on time. However, the amount with the fee shows the amount of my monthly payment. When i asked them if the extra charge goes to my principle when i pay on time, nobody claims to know. So, every month, they ate putting the $50.00 wherever they choose which is not fair based on the fact that I am paying on time. Additionally, I have paid my car note late and there was an additional charge so it 's $50.00 is the late fee where is there an extra charge over and above the $50.00 i... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay October 25, 2016 - Every month on my - 2008 truck tell this Flagship company with used to be car finance.com and I was never inform of the change but this flagship company calls after my due day on the on the - of each month and I always tell them when I 'm going to pay them around the end of the month when I get paid again because I am paying IRS back and I 'm never over 30 days let but I will get these calls form this company - - time in a week and they will call my wife - to4 times and I have told them to stop the calls because I have to pay them but I would to have the call back its turning in... |
FC HoldCo LLC Consumer Loan managing the loan or lease October 22, 2016 - Applied for a vehicle loan online with no credit back in -. I was approved for a - - - for -. Ive always had problems with this company. For the first three months I had an allotment set up with them and they claimed that they did not receive my allotted payments because they did not have the right allotment number after I sent them the allotment multiple times. In - -, I deployed and set up an auto payment where monthly payments would be made every months. On -/-/- my car was repossessed for missing 3 monthly payments. I called and tried to receive information on... |
FC HoldCo LLC Consumer Loan managing the loan or lease September 7, 2016 - My lender has not reported accurate information to the credit bureaus since -/-/2016, they are still showing i have a balance outstanding even though i have paid in full since -/-/2016. This caused me to be denied credit and denied a mortgage since my potential lender was showing a balance owing making my debt to income ratio wrong.... |
FC HoldCo LLC Consumer Loan managing the loan or lease August 31, 2016 - I purchased a car in -, which was financed with Flagship. When my first payment was due I established a user name and password on their website to process my payment. I processed the first 4 payments online without any issue. Then sometime after that I missed my payment by 5 days, which I requested to have my payment changed to the last day of the month, as that is when I get paid, and Flagship informed me that it is their policy to not accept any payments between the - and -, as I tried to login to make a payment I received a message that my login for online banking did not exist and... |
FC HoldCo LLC Consumer Loan shopping for a loan or lease July 12, 2016 - Went in - 2016 applied for vehicle loan, left with vehicle dealership needed more information a week later gave in mean time received a denial letter from finance company and as of yet still have n't received any information from finance company to pay my loan was told from dealership on - - 2016 everything was finally worked out... |
FC HoldCo LLC Consumer Loan shopping for a loan or lease June 4, 2016 - We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate. ... |
FC HoldCo LLC Consumer Loan managing the loan or lease May 3, 2016 - I was charged a late fee of $55.00 for a payment that was done on - website. I have never been late with my loan before. The representative I spoke with in - 2016 when this matter occurred reported it was the company 's fault and would handle the problem. As of today 's date ... the problem still exists. Every month - report my loan late due to the late fee of $55.00. Every month I call - - and get no results. I have requested to talk with managent/supervisors with no progress. ... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay April 12, 2016 - I have been trying to call Flagship for two days. I called - and they transfer me to - which no one answers. On - -, 2016, I was on the phone on hold from - to - - EST. I was not able to talk to a representative. I want to talk to a representative to negotiate a payoff of my account so I can re-establish my credit. ... |
FC HoldCo LLC Consumer Loan managing the loan or lease March 22, 2016 - FLAGSHIP CREDIT : I am being called on a regular basis by a lending company that I have no loan with. I was apparently used as a reference without permission. I have asked on at least five different occasions to be removed from the account and to stop all calls, but I still continue to get calls. I want to file a formal complaint. The company continues to harass me and leave messages. Several of their supervisors have confirmed that the account reads - do not call - but they continue to call. ... |
FC HoldCo LLC Consumer Loan managing the loan or lease March 3, 2016 - I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is $670.00 and my payments or current. Then I was told I owe - the paper work shows that I had - left as of -/-/2016 then reported me late to the credit burial. All I have left is - payment. ... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay March 3, 2016 - On - - I called my car company to ask if I may have until -/-/- to pay my car loan as I was unemployed and starting a new job that week or the following week. Within that week my car was towed for tickets. I called - to make my payment just as I had promised and before -/-/-. I spoke with a woman name -, I made my payment and patty informed me they received a letter regarding my tow, and that they were going to get the car. I told her I was going to file my taxes and I The people here are frauds. Interest rate is very high and when I lost my job, they defrauded me. My car... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay February 27, 2016 - -/-/- I purchased a vehicle from a dealer. they financed the car through flagship credit, I mad my payments ok for awhile, even though it was a struggle.i told the dealer what I could afford, but payments were higher. in -/-/- my husband had a -, about 6 months later we were told that he had -, through all of this I have been receiving harassing phone calls, even after I make arraignments to make a payment. recently I was - short on a payment. was told by the representative that it did n't count as a payment. told them when I coluld pay more, after that I kept receiving pho... |
FC HoldCo LLC Consumer Loan managing the loan or lease February 8, 2016 - I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from - through - by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business. ... |
FC HoldCo LLC Consumer Loan managing the loan or lease February 6, 2016 - After experiencing - I had - -/-/2015. This - along with the - forced me to take an extended leave of absence from work. I contacted Flagship Credit Acceptance to make my -/-/- payment on - -, 2015. When asked why I was 7 days late, I explained about the - without divulging my PHI information- I was - and admitted as an - something rarely done today. The representative wanted to know what body part of mines was operated on. I know that this was definitely a violation of not only my human rights, but PHI ( personal health information ) and he was going to share... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay February 5, 2016 - I have disputed a claim through - through - and claim number is - and have not yet got flagship credit services off of my credit report I have spoke with flagship credit services and they said I have to file a claim through credit report. Anyways there was a -/-/- - - I have let go back but it shows im 120 days last on a payment I have not had the car since - and I am requesting that they remove it from my credit report because they ha e sold the car and have not contacted me since repossession I do n't know where yhe car is or how much it was sold for they have no right... |
FC HoldCo LLC Consumer Loan managing the loan or lease February 5, 2016 - This complaint is regarding FLAGSHIP ACCEPTANCE -, LLC AND THEIR PREDATORY LENDING PRACTICES- the complaint also names - - - and how I became association with Flagship Acceptance -, On - -, -, I - - - traded in my - - Sentara Sedan 2.5 limited edition vehicle VIN - that was purchased at - - - - - - - - - - - VA - for a - Nissan Versa - -. The new vehicle was purchased at the same location but now under the name of - of - -. I did not want to purchase a new vehicle however due to the cost of maintena... |
FC HoldCo LLC Consumer Loan taking out the loan or lease February 5, 2016 - I applied for a car loan at the dealer, was told I qualify Flagship Credit Acceptance. I have late fees for monthly missed payments with Flagship. Whenever I specifically ask to have late fees added to that payment I am making they say yes, after I pay, I am told the late fees are added to the principal payment. I have recorded at least - conversations. Today, I am 35 days behind and am being told that my account has to be brought up to date in order to have access to my account online. I asked the male rep may I have copies of their rules and regulations, it was never mailed to me, despite... |
FC HoldCo LLC Consumer Loan shopping for a loan or lease February 2, 2016 - this company has checked my credit without my authorization i never gave them authorization but received a letter telling me that there sorry but application has been declined i never applied for anything with them ... |
FC HoldCo LLC Consumer Loan managing the loan or lease January 22, 2016 - -/-/- has violated my rights as a consumer several time in the past 7 months ... ... left 2 vm - - - ... ... 3 vm -/-/2015 ... .2 vm -/-/2015 and I have saved all records. ... they also went into my bank account unauthorized -/-/2015 and on -/-/2015 gave my account details to unauthorized third party ... ..I 'm sure I 'm not the only consumer they 've done this to and this needs to be investigated. ... at this time the only resolution ill accept after so many violations is payoff on my acct number - ... |
FC HoldCo LLC Consumer Loan managing the loan or lease December 23, 2015 - Multiple calls daily from lender even you are only a day late ( - calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee. ... |
FC HoldCo LLC Consumer Loan problems when you are unable to pay problems when you are unable to pay December 4, 2015 - I was late on making a payment for -. I had thought I paid via phone. I spoke with a representative last night who called from an - number. When she advised I was 21 days past due I told her I would look into my account today and call them back today. This morning my cell phone rings and the # is identified as a wireless caller from - # - - -. I have had numerous call from this # with no message. My cell phone is a business phone and I have business in that area. During work -. I answered the call and they gentleman identified himself at that time as working for Flagship C... |
FC HoldCo LLC Consumer Loan managing the loan or lease November 4, 2015 - I called Flagship in regards to my vehicle loan to let them know that there was a $4700.00 check on its way to them. I asked to be transferred to the total los department as that was where I had been previously told that was who I needed to talk to. They bounced me around the first time I called and the. Sent me to someone 's voicemail. I hung up and called back. I asked to be transferred to the total loss department once agin. They transferred me to a female named - who stated that she was my representative. I asked if she was in total loss. She said that she was not. I asked to be trans... |
FC HoldCo LLC Debt collection communication tactics frequent or repeated calls October 20, 2015 - Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work. ... |
FC HoldCo LLC Consumer loan shopping for a loan or lease September 26, 2015 - - made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent ... |
FC HoldCo LLC Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay August 24, 2015 - The company flagship credit hired a man that claims to be a criminal investigator. He has threaten to put a warrant out for my arrest as well as threaten that I have a class - felony against me. He will not give me his name but continues to ask me to contact the comoany. This is against fdcpa. I have already notified flagship about the owner of the vehicle due to me being the cosigner. They still contact me over 15 times a day as well as other family members and harass me. I am going to seek legal action because this have put me and my family in a horrible situation. I have a 3 month old so... |
FC HoldCo LLC Consumer loan managing the loan or lease July 26, 2015 - Flagship Credit Acceptance has cashed a vehicle warranty cancellation check which they should have sent to me months ago. I have been calling almost three months to get results along with my dealership who ran into walls trying got deal with them. I have encountered customer service reps who constantly hang up on me and give me no help. They advised me that it takes over a month to research a check. Which they claimed that they have mailed out before but they had the wrong address. If that would have beneath case the postman would have put it in the correct box since I have been in the same co... |
FC HoldCo LLC Consumer loan problems when you are unable to pay July 13, 2015 - I am trying to set up a payment arrangement with Flagship Credit Acceptance regarding my car loan. I informed them that I only get paid on the - of every month and was informed that I could change my due date but they would not do so. Also, my house was in the process of foreclosure so I had to resolve that issue which I did before I could move forward with paying my car loan. The representative threatened me and asked where the vehicle was so they can come to my house and take it since I 'm not responsible. The representative hung up every time I tried calling her back and sent me threaten... |
FC HoldCo LLC Debt collection cont'd attempts collect debt not owed debt is not mine May 19, 2015 - Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to Flagship Credit '' on - via - certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online u... |
FC HoldCo LLC Consumer loan problems when you are unable to pay April 16, 2015 - The loan company, Flagship Credit Acceptance, has been asked in writing more than -, and on the phone more than - to cease from calling me at my place of employment as it is not allowed. They continue to ignore this request/demand and have called here again today, giving - of my co-workers a snide attitude. I have asked them in writing to stop harassing my friends and family members as well to no avail. After a certain amount of tie goes by, they seem to feel justified to call my work and other contacts. This loan is up to date and the payment they are starting to harass me over is on... |
FC HoldCo LLC Consumer loan managing the loan or lease March 31, 2015 - 30 days late assesd to account ( car was refinanced ] -/-/15 ccheck - check - payment - file closed ... |
FC HoldCo LLC Debt collection cont'd attempts collect debt not owed debt is not mine March 19, 2015 - Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to Flagship Credit '' on - via - certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online u... |